Now you’ve taken the brave and life-changing decision to begin drug rehab for substance abuse, and nothing should hold you back — especially not health insurance. It would be best if you got the best care for yourself, but seeking out all the necessary information might be a challenge for you right now. We’re here to help and can do the research for you to verify your benefits.
However, if you’re looking for more information about your insurance provider, here’s a handy guide to how Aetna works with addiction treatment services.
Aetna has been providing insurance since 1853. With over 22.1 million medical members, Aetna is one of the largest health insurers in the United States. It operates in the dental, behavioral health, pharmaceutical, long-term care, and healthcare spheres, mainly through Medicaid and employer-paid benefits schemes. If you use this provider, at least some of your costs will likely be covered.
Many rehab centers work with Aetna, but your coverage depends on factors such as the plan you’ve paid for and the state you live in. Aetna coverage includes detox, residential rehab, partial hospitalization, intensive outpatient, general outpatient treatment, and aftercare services.
Aetna provides coverage for addiction treatment, but to find out exactly what’s covered, you’ll need to find out about your plan.
A lot of Aetna plans fall into the categories of Health Maintenance Organization or Preferred Provider Organization plans.
HMO plans tend to cover treatment from HMO-contracted rehabilitation centers exclusively.
PPOs provide clients with more options regarding which healthcare providers they have access to. If you have a PPO plan, you can usually get treatment at an out-of-network facility but might need to pay more from your pocket.
Many rehab centers work with Aetna, but your coverage depends on factors such as the plan you’ve paid for and the state you live in. Aetna coverage includes detox, residential rehab, partial hospitalization, intensive outpatient, general outpatient treatment, and aftercare services.
Health care insurance covers treatment considered a medical necessity in your case. If detox is necessary for you, Aetna health insurance may cover all or some of your treatment. If you have an HMO plan, you might only have coverage in HMO treatment facilities, whereas with a PPO plan, you’ll probably have more treatment options.
Your coverage level depends on location, your plan, and the facility. The amount your insurance company pays out may differ depending on whether you get treatment in a hospital or inpatient facility.
Aetna offers various policies, including HMO, PPO, POS, and EPO. In some states, you’ll pay for a bronze, silver, gold, or platinum plan. The more you pay monthly, the lower your deductibles will be. You’ll be covered for some of the costs of inpatient rehab with Aetna, but how much depends on your policy and whether the treatment center is in-network or out-of-network.
Aetna provides coverage for addiction treatment, but to find out exactly what’s covered, you’ll need to find out about your plan.